Old mutual insurance

I started at Nedbank 17 December 1990 when I took out Group Life and Spouses Insurance I was told it can be paid up at age 63 with the same benefits. When I left on pension end November 2017, they doubled my premium, when I questioned this they advised I had a choice to it will be converted, now turning 63 on 29 May 2024,Old Mutual wants me to convert this with a premium if R4084 which I can't afford, from R867 and I also need medical questions. What happened to 33 years of premiums paid? No compromise or cash back? I was placed under a misconception with this policy is this now nul and void?